SafetyWing
Travel and health insurance built for digital nomads with flexible monthly plans and worldwide coverage.
What is SafetyWing?
SafetyWing is an insurance company built specifically for digital nomads, remote workers, and long-term travelers. Their flagship product, Nomad Insurance, provides travel medical coverage on a flexible monthly subscription that you can start, pause, or cancel at any time.
Unlike traditional travel insurance that requires fixed departure and return dates, SafetyWing understands that nomads often do not know where they will be next month, let alone next year. The subscription model fits the unpredictable lifestyle of location-independent workers.
Why Digital Nomads Choose SafetyWing
True Flexibility
Most travel insurance policies require you to specify exact travel dates and return home to renew. SafetyWing works differently:
- Start coverage from anywhere in the world
- No end date required
- Cancel with a click when you no longer need it
- Automatic monthly renewal
This flexibility is why SafetyWing has become synonymous with digital nomad insurance.
Affordable Monthly Pricing
For travelers under 40, SafetyWing costs about $45 per month. That is roughly $1.50 per day for peace of mind while abroad. Prices increase with age but remain competitive compared to traditional travel insurance policies.
Designed for the Nomad Lifestyle
SafetyWing covers you in 185+ countries and includes unique features for nomads:
- Coverage in your home country for up to 30 days per 90-day period
- No requirement to return home between trips
- Covers adventure activities like hiking and skiing (some exclusions apply)
- 24/7 global support via chat or phone
What SafetyWing Covers
| Coverage Type | Limit |
|---|---|
| Medical Expenses | $250,000 |
| Hospital Room & Board | $250/day |
| Emergency Medical Evacuation | $100,000 |
| Emergency Dental | $1,000 |
| Trip Interruption | $5,000 |
| Travel Delay (12+ hours) | $100/day, max $300 |
| Lost Checked Luggage | $3,000 |
| Personal Liability | $25,000 |
All claims are subject to a $250 deductible per injury or illness.
What SafetyWing Does Not Cover
It is important to understand the limitations:
- Routine care: Checkups, vaccines, prescriptions for existing conditions
- Dental: Only emergency dental, not regular dental work
- Mental health: Not covered under Nomad Insurance
- Pre-existing conditions: Limited to acute onset of pre-existing conditions
- Extreme sports: Bungee jumping, skydiving, and similar activities excluded
For comprehensive health coverage including routine care, consider SafetyWing's Remote Health product, which is a full health insurance plan for remote workers.
Pricing by Age
| Age Range | Monthly Cost |
|---|---|
| 18-39 | $45.08 |
| 40-49 | $71.96 |
| 50-59 | $107.48 |
| 60-69 | $181.72 |
Adding a child (under 10) to a parent's policy is free.
How to Sign Up
- Visit SafetyWing.com and select Nomad Insurance
- Enter your details including age and start date
- Pay your first month via credit card
- Download your policy documents instantly
- You are covered starting the next day
The entire process takes less than 5 minutes.
SafetyWing vs. Traditional Travel Insurance
| Feature | SafetyWing | Traditional Insurance |
|---|---|---|
| Fixed End Date Required | No | Yes |
| Buy While Abroad | Yes | Usually no |
| Monthly Payment | Yes | Lump sum |
| Home Country Coverage | 30 days per 90 | None or very limited |
| Adventure Sports | Many included | Often excluded |
| Cancel Anytime | Yes | Usually no refunds |
Who Should Use SafetyWing?
SafetyWing is ideal for:
- Digital nomads traveling continuously without fixed plans
- Remote workers on extended international assignments
- Gap year travelers exploring multiple countries
- Freelancers who need flexible coverage that matches their income
SafetyWing is not ideal for:
- People staying in their home country long-term
- Those needing comprehensive health insurance with routine care
- Travelers doing excluded high-risk activities
The Bottom Line
SafetyWing fills a gap that traditional insurance companies ignore: flexible, affordable coverage for people who live and work across borders without fixed schedules. It is not a replacement for real health insurance, but as travel medical coverage for nomads, it is one of the best options available.
For the price of a few coffees per week, you get peace of mind knowing that an unexpected illness or accident will not derail your finances while abroad.
Pros
- Pay monthly, cancel anytime, no long-term commitment
- No need to declare a home country or fixed travel dates
- Covers medical emergencies up to $250,000
- Includes 30 days of home country coverage per 90 days
- Affordable pricing compared to traditional travel insurance
Cons
- Not a replacement for comprehensive health insurance
- $250 deductible on medical claims
- Limited coverage for pre-existing conditions
- US citizens have reduced US coverage
Category
Frequently Asked Questions
Is SafetyWing real health insurance?
Can I use SafetyWing if I am already abroad?
What does SafetyWing actually cover?
How does the home country coverage work?
Pricing
Starting at $45.08/month (under 40)
Key Features
- Monthly subscription with no contract
- Coverage while traveling and in home country (up to 30 days)
- Emergency medical and hospitalization
- COVID-19 coverage included
- Travel delays and lost luggage protection
- 24/7 global assistance
Available Regions
Worldwide (185+ countries)
